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What is the difference between personal loans and payday loans?

Payday loans are short-term loans that have high interest rates and are supposed to be paid off in a lump sum on your next payday. Personal loans are long-term and have lower interest rates. They are also known as installment loans that are supposed to be repaid at a fixed rate over a certain period of time in monthly payments.

How much can I borrow?

The loan limits vary by lender. In most cases the major factor that determines the amount of money you can qualify for is your income.

What are the requirements to apply for personal loans?

First, you must be at least 18 years old and a U.S. citizen. Second, you must have a reliable source of income to be able to repay a loan. Third, you must have an active bank account.

How long does it take to get a decision?

Typically, the decision is instant. After you submit a request, it takes up to a few minutes to connect you with a lender.

What can I use my personal loan for?

You are free to decide yourself what you need the money for. Among the most common uses are medical expenses, house renovations, car repairs, or big-ticket purchases.

Can I qualify with poor credit?

How long does it take to get approved?

How will I get my money?

Your money will be deposited directly into your bank account in as little as the next business day.

What if I miss the payment?

If you’re tight for cash and aren’t able to pay off your loan on the due date, contact your lender regarding a possible loan renewal.

What is a loan renewal?

In case you aren’t able to pay off your loan in time, you can resort to a loan renewal. It means you pay a fee for the right to delay paying back the loan in full on its due date. The fee doesn’t reduce the amount you owe. Note that not all lenders allow their clients to renew a loan.

Is your service free?

loansangel.com IS NOT A LENDER AND IS NOT INVOLVED IN THE LENDING PROCESS. THE WEBSITE FUNCTIONS AS A FREE ONLINE PLATFORM THAT ESTABLISHES A CONNECTION BETWEEN A USER AND A LENDER. LENDERS ON THIS PLATFORM MAY OFFER PERSONAL LOANS FROM $100 TO $5000. WE DO NOT PROMOTE OR REPRESENT PARTICULAR LENDERS; HENCE, WE DO NOT HAVE ANY CONTROL OVER LENDERS. THEIR OFFERS, TERMS, ACTIONS AND INACTIONS ARE BEYOND OUR RESPONSIBILITY. WE DO NOT GUARANTEE THAT YOU WILL BE CONTACTED BY A LENDER OR THAT YOU WILL BE SATISFIED WITH TERMS AND CONDITIONS OF A LOAN OFFER MADE TO YOU BY ONE OF THE LENDERS. WE ALSO DO NOT ENCOURAGE YOU TO AGREE TO THESE OFFERS. CONCLUDING A LOAN AGREEMENT WITH A LENDER AND GIVING YOUR E-SIGNATURE TO A DEAL IS YOUR DECISION AND YOUR RESPONSIBILITY. loansangel.com MAY NOT BE AVAILABLE IN ALL STATES AND ITS AVAILABILITY IS SUBJECT TO CHANGE.

ALL THE INFORMATION YOU CAN FIND ON loansangel.com IS GIVEN “AS IS” AND IS SUBJECT TO CHANGE. YOU ACCESS IT VOLUNTARILY AND AT YOUR OWN RISK.

WE RESERVE THE RIGHT TO SHARE YOUR PERSONAL INFORMATION WITH OUR PARTNERS, AFFILIATES, PARTICIPATING LENDERS IN ACCORDANCE WITH OUR MARKETING PRACTICES AND PRIVACY POLICY.

OUR VIEWS, GOALS, POLICY, TERMS AND CONDITIONS ARE CLEARLY EXPRESSED IN THE CORRESPONDING SECTIONS OF THIS WEBSITE. BY ACCESSING AND USING loansangel.com YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD AND AGREED TO THEM. WE ALSO RESERVE THE RIGHT TO MODIFY THEM WHEN WE FIND RELEVANT TO DO IT WITHOUT NOTIFICATION.

Сredit Check:

YOU UNDERSTAND THAT SOME LENDERS MAY CHECK YOUR PERSONAL INFORMATION AND REVIEW YOUR CREDIT WORTHINESS. THEY MAY TURN TO NATIONAL DATABASES AND CREDIT REPORTING AGENCIES. SOME OF THESE INQUIRIES MAY AFFECT YOUR CREDIT SCORE.

NOTE THAT THE AMOUNT THAT A LENDER MAY OFFER ALSO DEPENDS ON LOCAL REGULATIONS AS LEGISLATION OF SOME STATES LIMITS LENDING TERMS AND CONDITIONS.

Consumer Notice:

PERSONAL LOANS ARE LOANS. THEY ARE NOT DESIGNED FOR DEALING WITH EXTENSIVE FINANCIAL DIFFICULTIES. IF HANDLED POORLY, THEY MAY TRANSFORM INTO A RATHER EXPENSIVE CREDIT OPTION. IF YOU EXPERIENCE SERIOUS BUDGET DIFFICULTIES, CONSULT CREDIT PROFESSIONALS FIRST. YOU ARE UNDER NO OBLIGATION TO USE OUR SERVICES.